We at Credit Comedy found that the two general options are:
1) Get one lump sum at tax time - to pay down debt (The most common debt to pay down is credit card debt)
2) Talk to a CPA or Tax Accountant to advise on how to get more back each paycheck with less during tax time. This allows you to pay more off each month rather than once a year!!!
*Please Note: Please get the right guidance so that you are not owing money...